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Cardholders should also be aware that using a cash advance on a credit card can be a sign of financial distress, which can impact their credit score and their ability to borrow money in the loans future. The lender will hold onto the west loan funds until the loan is paid off, at which point the funds are released to the borrower. As long as the west borrower makes their payments on time and in full, they can demonstrate their ability to manage debt responsibly, which can have a positive impact on their credit score.